Sure enough a few years later Congress changed the rules and my contributions were no longer deductible.

Only if you are a participant in a DC plan or eligible to participate in a DB plan, subject to income limitations.

I worry that the same thing will happen when people start taking withdrawals from Roth IRA's Yeah, but you will pull your hair out worrying about things you have no control over. Make plans, enjoy life, plan on dealing with Plan B.